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LH Chapter 18 FL Manual

Quiz by Brian Morton

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6 questions
Show answers
  • Q1
    Which of the following is NOT a basis for occupational suitability when determining total disability?
    Training
    Job interest
    Experience
    Education
    60s
  • Q2
    Which of the following statements about elimination periods in disability income policies is NOT correct?
    Elimination periods help keep premiums down
    Elimination periods may apply to disabilities due to sickness and not accidents
    An elimination period follows the start of a disability
    Benefits are not payable during an elimination period but are paid retroactively to the beginning of the period if the insured remains disabled throughout the period
    60s
  • Q3
    Which of the following riders provides for changes in the benefit payable based on changes in the Consumer Price Index (CPI)?
    Social Security rider
    Guaranteed insurability rider
    Cost-of-living adjustment rider
    Waiver of premium rider
    60s
  • Q4
    Which definition of total disability is more favorable to the insured?
    There is no way to determine from the information provided
    “Own occupation” is more favorable
    “Any occupation” is more favorable
    They are the same in terms of benefits to the insured
    60s
  • Q5
    Sidney has a monthly benefit of $2,500 for total disability under a residual disability income policy. If Sidney suffers a 40% loss of his pre-disability income, how much will his benefit be?
    $1,000
    $0
    $2,500
    $1,500
    60s
  • Q6
    What is the initial period of time specified in a disability income policy that must pass, after a policy is in force, before a loss due to sickness can be covered?
    Probationary period
    Temporary interval
    Preexisting term
    Elimination period
    60s

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